| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | $11K | $5K | $15K | 3.31% |
| POWER & WALSH INSURANCE ADVISORS3 | 117 BUTTERNUT LANE SOUTHPORT, CT 06890 | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | $6K | $0 | $6K | 1.27% |
| CGI EMPLOYEE BENEFITS GROUP3 Filed as: CGI BUSINESS SOLUTIONS | 5 DARTMOUTH DRIVE AUBURN, NH 03032 | HPHC INSURANCE COMPANY | $3K | $1K | $4K | 3.31% |
| POWER & WALSH INSURANCE ADVISORS3 | 117 BUTTERNUT LANE SOUTHPORT, CT 06890 | HPHC INSURANCE COMPANY | $1K | $0 | $1K | 1.28% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO AND WARLICK, INC. | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $3K | 5.95% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SER | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $928 | — | $928 | 1.61% |
| POWER & WALSH INSURANCE ADVISORS3 Filed as: POWER AND WALSH INSURANCE ADVISORS | 117 BUTTERNUT LANE SOUTHPORT, CT 06890 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $774 | $0 | $774 | 1.34% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO AND WARLICK, INC. | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $177 | $2K | 8.89% |
| POWER & WALSH INSURANCE ADVISORS3 | 117 BUTTERNUT LANE SOUTHPORT, CT 06890 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $696 | $0 | $696 | 3.30% |
| FIDUCIARY INTERMEDIARY LTD3 Filed as: FIDUCIARY INTERMEDIARY LIMITED | 370 LEXINGTON AVENUE, ROOM 703 NEW YORK, NY 10017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $348 | $348 | 1.65% |
| CENTRO BENEFITS RESEARCH LLC3 | 325 NORTH KIRKWOOD ROAD, SUITE 300 KIRKWOOD, MO 63122 | UNUM INSURANCE COMPANY | $0 | $405 | $405 | 5.47% |
| POWER & WALSH INSURANCE ADVISORS3 | 117 BUTTERNUT LANE SOUTHPORT, CT 06890 | UNUM INSURANCE COMPANY | $176 | $0 | $176 | 2.38% |
| CRONIN GERVINO & WARLICK INC3 Filed as: CRONIN, GERVINO AND WARLICK, INC. | 5 DARTMOUTH DRIVE, SUITE 101 AUBURN, NH 03032 | UNUM INSURANCE COMPANY | $0 | $85 | $85 | 1.15% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | 59 | $571K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 79 | $58K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 79 | $58K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $21K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $21K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $21K |
| Prescription drug(2 contracts, 2 carriers) | HARVARD PILGRIM HEALTH CARE OF NE, INC. - MA | 59 | $571K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.